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Home & Contents Insurance

Limited Time Offer

Up to 25% extra cover free

Free Safety Net Protection

Quote and purchase online from 19th Sept 2021 – 28th Nov 2021. Not available with any other offers. Free for first period of insurance. T&C's apply

Extra cover to help you rebuild

If your home is damaged in an insured event, for added peace of mind, get up to 25% extra cover to help rebuild your home with 1 Year free Safety Net Protection on new Classic Home Insurance before 28 Nov 2021.

Terms & Conditions apply

What is home and contents insurance?

Home and contents insurance covers your house and possessions against damage caused by an insured event such as fire, flood, storm or theft. It includes new-for-old repair or replacement and the option to cover personal valuables like your mobile phone, laptop, or bicycle (if not racing or pace-making).

 

What Suncorp Home and Contents Insurance covers

Every policy covers these insured events as standard. See examples of what we cover and do not cover for each event and read the PDS for full details. 

Flood

Flood means the covering of normally dry land by water that has escaped or released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered.  

Malicious acts and vandalism

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn’t include damage by someone who entered the home with your consent.

Impact e.g. fallen tree

Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.

It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.

Storm

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm or a structural or design fault

Theft or burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don’t cover loss or damage caused after entry from common property, or loss or damage caused by anyone living at the address.

Damage by an animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Riot, civil commotion or public disturbance

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn’t cover loss or damage caused by someone who had consent to enter the insured address and doesn’t cover loss or damage if anyone living at the address participated in the disturbance.

Explosion

We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.

Escape of liquid e.g. burst pipe

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or aquarium.

We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration.  See the PDS for more details on what we don't cover.

Lightning

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Earthquake and tsunami

We cover damage in the first 72 hours following an earthquake or tsunami.

This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.

We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more details.

 

Choose from 3 levels of Home and Contents Insurance

Features:

Regular cover

Classic

Mid-range cover

Classic Extras

Our Top Cover

Classic Advantages

Up to $5,000

Up to $7,500

Up to $10,000

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

Optional

Tick

Tick

Safety Net

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.

Safety Net
Protection against underinsurance

Optional
home sum insured + 25% extra

Tick

home sum insured + 25% extra

 

Tick

home sum insured + 30% extra

 

Temporary accommodation

If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets.  Please read the PDS for full details of conditions, exclusions and limits.

Tick

Up to 10% of home sum insured

Tick

Up to 10% of home sum insured

Tick

Up to 15% of home sum insured

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

Optional

Tick

Tick

Contents in Transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Tick

Up to the general contents sum insured

Tick

Up to the general contents sum insured

Tick

Up to the general contents sum insured

Options for added protection

Optional for all levels of cover

Personal Valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Personal Valuables

Eg. mobile phone, laptop, bicycle

Dog and cat

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

This is a summary only. For full details of what is and isn’t covered, covered or not covered, please read the PDS.

Get a quote for Home and Contents Insurance now

A quote includes all 3 levels of cover - choose the one that best suits your needs.

How to save on your Home Insurance

If you’re eligible for more than one discount, we apply any subsequent discount to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply.

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Discounts on everyday items
Save on groceries, fuel, entertainment, clothes and more

Savings on bigger purchases
Get great discounts on travel, furniture, electronics and exclusive offers

Instant access to rewards
Simply choose your reward on your phone and use it instantly

Claims process

If you need to make a claim, rest assured we’ll help you with our local expertise every step of the way.

Frequently Asked Questions

What is a legal liability cover?

Your Suncorp policy provides you with up to $20 million legal liability cover.

Legal liability covers your liability to pay compensation for death or bodily injury to other people or loss or damage to their property resulting from an incident, which happens in connection with you owning or living in the home at the insured address. For instance, if a person was to come onto your property and injure themselves by tripping whilst climbing the stairs, the Home legal liability component of your policy would respond if you were found legally liable for the injury sustained and damages were sought from you.*

* This example assumes your claim was not otherwise excluded by your policy.

Read more

Other Home Insurance products

Landlord Insurance

Protect your investment property from damaging events like flood, storm, fire and theft. Includes cover for loss of rent if a tenant doesn’t pay or the home cannot be lived in or cannot be re-leased after an insured event.

Find out more

Contents Insurance

Great for renters. Contents Insurance covers your home's contents if they're lost or damaged by insured events like floods, storms, fire and theft. Plus, for an additional premium, you can add extra cover for personal valuables like mobiles, laptops and bicycles.

Find out more

Suncorp Home and Content Insurance Calculators

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

HOME BUILDING CALCULATOR
 

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost of your home to help you choose your sum insured.

Suncorp Home Building Calculator

CONTENTS CALCULATOR
 

Estimate your contents coverage

Estimate the replacement costs of your home's contents to help determine how much contents cover you may need.

Suncorp Content Calculator

Home Insurance Insights

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What makes Suncorp different?

Insuring Australians for over 100 years

For nearly a century, Suncorp Insurance has been proud to protect Australian homes. We pride ourselves on delivering for our customers. We have a team dedicated to helping you protect what’s most important to you.

Learn more

We value the communities we live and work in

From sponsoring events to volunteering for charities, we’re dedicated to empowering and supporting local communities.

Protecting the North

Community Work

This content applies to new policies and renewal policies with a start date on or after 25 March 2021. For full details of the covers, limitations, exclusions and conditions contained within Suncorp Home and Contents Insurance please read the Suncorp Home and Contents Insurance Product Disclosure Statement. The Target Market Determination is also available.

*Actions or movements of the sea and loss or damage caused by storm surge (unless the storm surge damage occurs at the same time as damage caused by a storm) are not covered. We don't cover retaining walls or flood damage to wharves, jetties, pontoons, other exclusions apply.

We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.

Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Flood

Flood means the covering of normally dry land by water that has escaped or released from the normal confines of things like a lake, river, reservoir, canal or other natural watercourse.

Actions or movements of the sea or storm surge are not covered.  

Fire

Loss or damage caused by fire (includes bushfire) and heat, ash, soot and smoke that is a direct result of a fire within 100 metres of the insured address.

It doesn’t include arcing, scorching or cigarette burns unless a fire spreads from the initial burn spot.

Pollution or vapour damage by a home heater or cooking appliance is covered if a fire spreads from the initial source.

If there is a bushfire in your area, we also cover the cost of replacing water in any tank, container, pool, spa and any other storage vessel, even if there is no physical damage to your property. The most we will pay is $1,000.

Malicious acts and vandalism

Malicious acts or vandalism includes things like vandals damaging your letterbox or painting graffiti on your home.

It doesn’t include damage by someone who entered the home with your consent.

Impact e.g. fallen tree

Impact covers damage from things like a falling tree, power pole, tv antenna, aircraft, motor vehicle and even space debris.

It doesn’t include damage caused by trees being lopped, felled or transplanted by you or for you.

Storm

Storm means a storm, cyclone or severe atmospheric disturbance. It can be accompanied by strong winds, rain, lightning, hail, snow or dust.

It includes loss or damage caused by a landslide or subsidence within 72 hours of, and directly because of, a storm or a structural or design fault

Theft or burglary

Theft or burglary occurs when someone enters the insured address without your consent and steals or intends to steal items.

We don’t cover loss or damage caused after entry from common property, or loss or damage caused by anyone living at the address.

Damage by an animal

This covers loss or damage caused by an animal that becomes accidentally trapped inside your home.

We don't cover damage caused by any animal you own or are responsible for, or has been allowed onto the insured address, or damage caused by insects, vermin or rodents (unless the damage they caused is covered under fire or escape of liquid).

Riot, civil commotion or public disturbance

An example of a riot, civil commotion or public disturbance event would be damage caused by a violent crowd moving down your street.

It doesn’t cover loss or damage caused by someone who had consent to enter the insured address and doesn’t cover loss or damage if anyone living at the address participated in the disturbance.

Explosion

We cover loss or damage caused by an explosion but we do not cover the cost of repairing or replacing the item that exploded.

Escape of liquid e.g. burst pipe

This covers damage caused by liquid leaking, overflowing or bursting from things like your fridge, washing machine, bath (but not shower), toilet, fixed pipes (except agricultural pipes), swimming pool, water main, fixed cooling system or aquarium.

We do not cover the cost of fixing the leak itself, or water damage caused by wear, tear and gradual deterioration.  See the PDS for more details on what we don't cover.

Lightning

Lightning, including power surges caused by lightning, will be covered providing a qualified repairer gives written confirmation to show lightning as the cause of loss or damage and the Australian Government Bureau of Meteorology has a record of lightning in the area.

Accidental glass breakage

This covers things like fixed glass in windows, doors, skylights, shower-bath combos, toilets, basins, baths and the glass that forms part of a fixed cooking or heating appliance.

It doesn’t cover ceramic tiles, drinking glasses or glass that is part of things like vases, ornaments or light globes.

Earthquake and tsunami

We cover damage in the first 72 hours following an earthquake or tsunami.

This includes damage caused by a landslide or subsidence within 72 hours of, and directly because of, an earthquake or tsunami rather than erosion over time or a structural or design fault.

Accidental damage at the home

This covers loss, breakage or damage to something by accident at home. For example: dropping, knocking over or spilling something without intent. 

Safety Net

Safety net home protection provides an additional percentage of your nominated sum insured.  This means that if your home is damaged and the cost of repairing or replacing it is more than you have nominated, we can increase your sum insured by a percentage depending on the level of cover you have selected.

Personal Valuables

Personal valuables are some of the valuable things you might leave the house with. It’s things like your mobile phone, camera, laptop, or tablet. It also includes bicycles (as long as you’re not racing or pace making).

With personal valuables, the items are covered anywhere in Australia and New Zealand.

You can choose whether to specify the items so as to cover them up to a specified value, or if you’re happy to have unspecified cover, we pay up to $1,000 per item.

Temporary accommodation

If your home is damaged by one of our insured events to the extent that it cannot be lived in, we will pay for your reasonable temporary accommodation costs, including for your domestic pets.  Please read the PDS for full details of conditions, exclusions and limits.

Motor burnout

Covers the burning out or fusing of electric motors that are part of your home and equal to or less than 10 years old. This includes the motor in things like portable air conditioning units, washing machines and fridges (if you have contents cover).

Motor burnout excess applies instead of the standard excess (plus any other applicable excess).

Contents in Transit

We provide some cover for contents in transit and storage within Australia. This is an additional cover that comes with your policy at no extra cost. Limits, exclusions and conditions apply.

Injury to pet dogs and cats

If a pet dog or cat shown on your certificate of insurance is injured in an incident, we’ll pay for necessary veterinary treatment (up to $2000 per accident). Extra premium and injury to pet dogs and cats excess will apply.

First eligible policy

If you first purchase or have an existing Suncorp Car, Suncorp QLD CTP, Suncorp Motorcycle or Suncorp Home and/or Contents insurance policy, you will be eligible for this campaign. Refer to the T&Cs.

Second new eligible Policy purchased

  • If you first purchase or have an existing Suncorp Car or Motorcycle policy, you can get 20% off new Suncorp home insurance.  (‘New Suncorp home insurance’ excludes landlord and strata insurance)
  • If you first purchase or have an existing Suncorp Home or QLD CTP policy, you can get 20% off new Suncorp car insurance.  (‘New Suncorp car insurance’ excludes QLD CTP and Suncorp Roadside Assist)

Refer to the T&Cs.

Substantially Damaged

When your home is substantially damaged by an insured event (meaning the cost for us to repair is at least $50,000 or 10% of your home sum insured, whichever is more). Please Refer to PDS for Full Details.

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